Follow the dollars · Assumption only
A complete cash picture for Dec 23, 2026
Your down payment$212,736Cash toward the purchase price.
Closing costs + prepaids$10,967Not just lender fees.
Before credits & paid funds$223,704The complete starting cash picture.
Estimated remaining funds due at closing
$223,704No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$212,736.28
Your down payment$212,736.28
Closing costs + prepaids$10,967.30
Total buyer cash needed$223,703.58
Remaining funds due$223,703.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,997.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$934.82
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$479.75
Initial HOA (3 months)$234.00
Prepaid interest, first (9 days)$103.73
Fees + prepaids$10,967.30
Your down payment is the seller’s equity. You take over the $186,964 balance, so the rest of the $399,700 price is paid at closing. A second mortgage can cover part of it. $223,703.58 is due at closing. Uses and sources reconcile at $410,667.30 each. Not a Closing Disclosure.